I hate banks, I dislike banks, they are bad bad bad bad guys.
I'm sure this will turn out to be my fault, but-
The consequences far outweigh anything.
I got a bill today from a collection agency for $995 for money i supposedly owe that great friendly Bank of America
Now just in case there are any amoung us who have not been on the wrong side of the tracks as far as banks are concerned---
THE MONEY I OWE THEM IS NOT for a service or a loan, or anything at all.
If a check bounces they charge over $30.00. Some banks (im not sure if BAM did this- as at this point I dont know what its for, i am speculating)
But some banks , including compas and wachovia for sure do the following :
Suppose u r the type who messes up their account once in a while. They offfer a great service, overdraft protection. But, if you have had credit problems, they won't approve you for 50 cents.
No- you are no good for it. BUT THEY DO DO TH IS. Say you wrote six checks , 5 for small amounts & 1 larger check, say for $300.
You made a mistake and only have $299.97 in the bank. You also have 5 small checks, for like $3.00, $8..,9.00, 1.00 & $10.00. THEY SORT THRU THE CHECKS AND DO WHAT IS MOST COSTLY FOR YOU.
The first check they will put through is the one for $300.00. They will pay it. Even though you don't have credit (they dont trust you for that.)
They will charge you $30.00 for paying it & then bounce all the other 5 checks and charge you $30.00 each, or even pay them & charge you $30.00 each.
So now you are out $180.00 in fees. THEY DO THIS ALL THE TIME. TO ME THAT IS BEING A THIEF AND WORSE,
BECAUSE the people they hurt are usually those working from check to check which is why they are in the situation.
THIS IS WHY I HATE BANKS, REALLY, AND WHEN I SEE AMERICAS MOST WANTED FOCUS ON SOMEONE who threatended no one & maybe took a large loan out on there own terms, well I sure aint lookin for em..........
Banks are a business and run them as such. My rule of thumb? Don't write a check unless you can cover it. I used to think that because I had checks in my checkbook, it must mean that I have money, right? Sorry Harry, but banks don't give a rip whether you can afford something or not. They're in business to make money.
Cowgirl, could u please quit having me slap myself in the face-it hurts.
BTW, they are a business but---They have been given the ability by We The People, to create money.
If they screw up, we have to save them.
They have moral responsibilities that they do not come close to living up to.
They practice extreme usury. They steal. They abuse. They are unethical.
The most the will do is offer you an umbrella when it's not raining & pull it out from under you when u need it the most. THEY ARE MONSTERS AND PRACTICE SINS AGAINST THE POOR. Calling it a business dont make it right.
I say that all the people in this message room should be the newly appointed bankers & start our own banks. First thing we could do would be to foreclose on loans to, i dont know, Hillary & Bill or George & Martha or whoever. Or maybe even fat ol Al Gore so he could shut up about global warminng & come up with something better. Tic-Tic tic tic tic, maybe prepare us for the super bananas that are going to take over the world inn 30 years. Tic, Tic...
BTW, they are a business but---They have been given the ability by We The People, to create money.
If they screw up, we have to save them.
They have moral responsibilities that they do not come close to living up to.
They practice extreme usury. They steal. They abuse. They are unethical.
The most the will do is offer you an umbrella when it's not raining & pull it out from under you when u need it the most. THEY ARE MONSTERS AND PRACTICE SINS AGAINST THE POOR. Calling it a business dont make it right.
I say that all the people in this message room should be the newly appointed bankers & start our own banks. First thing we could do would be to foreclose on loans to, i dont know, Hillary & Bill or George & Martha or whoever. Or maybe even fat ol Al Gore so he could shut up about global warminng & come up with something better. Tic-Tic tic tic tic, maybe prepare us for the super bananas that are going to take over the world inn 30 years. Tic, Tic...
Banks are pretty cool now. Routing # and bank account # and you can pay all your bills automatically.
Hey at 41 cents soon a stamp? + envelopes saves some you some Bucks. Adds up.
Also over draft protection? I have over draft protection set up wit ha separate account. I am not sure how you can write all these bad checks? 900$
I always thought you needed to have money in the bank for overdraft protection.
Man i am stupid. All those years I was brought up to never write a check for more than I had in the account
Hey if your bank was dumb enough to let you write for more than you had them send them a thank you note.
And a christmas card
Hey at 41 cents soon a stamp? + envelopes saves some you some Bucks. Adds up.
Also over draft protection? I have over draft protection set up wit ha separate account. I am not sure how you can write all these bad checks? 900$
I always thought you needed to have money in the bank for overdraft protection.
Man i am stupid. All those years I was brought up to never write a check for more than I had in the account
Hey if your bank was dumb enough to let you write for more than you had them send them a thank you note.
And a christmas card
If you do not spend more than you make how can you get in trouble? At 30 bucks a shot the going rate you wrote 30 bad checks?
???
Jeff
???
Jeff
I think it would be more like 32 or 33 cause it was $990 or something. UR RIght, I have no Idea where that came from.
I sure know they didnt pay them. I did screw up & had 3 bad checks, all of which I went to the places that I wrote them to, paaid them, plus their fees.
But 3 checks, each presented to the bank 2 times, is $180.00. It happens quick.
I just stopped using the account entirely.
My guess is there is or was something else. But nothing they paid. Now I screwed up, Im sure. But there fees are exhorbitant.
And I am telling the absolute truth when I tell you that sometimes they will pay a check or 2 so that several others will bounce.
Again, the people this effects most are people who are struggeling. People that they wont give a line of credit for even $50.00 but at the same time will advance sums at exhorbitant rates.
THEY ARE ALLOWED TO DO STUFF LIKE THAT. Someone will say, well its your fault, you got the account and u screwed up.
True. It is also true that if your back is to the wall & u maybe borrow some money from 'the boys' at 6 to 5, and the reason maybe u borrowed it in the 1st place is maybe u got hussled by them & need t o pay them off, and u finally cant pay anymore after paying a couple hundred a week vig for a year u owe them more then u started---and u get hurt by them----well thats ur fault too then.
MY opinion is that maybe there some more moral ways for banks to be, especially since we license & empower them & they always tell us they are nice guys.
I sure know they didnt pay them. I did screw up & had 3 bad checks, all of which I went to the places that I wrote them to, paaid them, plus their fees.
But 3 checks, each presented to the bank 2 times, is $180.00. It happens quick.
I just stopped using the account entirely.
My guess is there is or was something else. But nothing they paid. Now I screwed up, Im sure. But there fees are exhorbitant.
And I am telling the absolute truth when I tell you that sometimes they will pay a check or 2 so that several others will bounce.
Again, the people this effects most are people who are struggeling. People that they wont give a line of credit for even $50.00 but at the same time will advance sums at exhorbitant rates.
THEY ARE ALLOWED TO DO STUFF LIKE THAT. Someone will say, well its your fault, you got the account and u screwed up.
True. It is also true that if your back is to the wall & u maybe borrow some money from 'the boys' at 6 to 5, and the reason maybe u borrowed it in the 1st place is maybe u got hussled by them & need t o pay them off, and u finally cant pay anymore after paying a couple hundred a week vig for a year u owe them more then u started---and u get hurt by them----well thats ur fault too then.
MY opinion is that maybe there some more moral ways for banks to be, especially since we license & empower them & they always tell us they are nice guys.
Hey dog its a big big issue over here right now thousands of people have gotten their charges back why? because it is deemed unlawfull they dont do anything to earn those charges. no-one objects to paying a ligit charge but 30-40 for nothing, hummmmm not sure if its the same policy where you are hun maybe check it out pardon the pun lol jaxxxxxxxxxxxx
www.consumerationgroup.co.uk/forum/
www.consumerationgroup.co.uk/forum/
microwave your checks
Drug addiction makes us do a lot of stupid things we never thought we would do, and writing bad checks is one of the top ones.
When we are using we will do anything to get more drugs.............
peaceout
dtroitj
When we are using we will do anything to get more drugs.............
peaceout
dtroitj
I hate banks too!!!!
Wendy
Wendy
If you are having problems managing a checking account. Close it. Deal with cash and money orders only. The long term wreckage isn't worth it. Same goes with credit cards. If you can't afford it, you don't need it. Unless of course it's food, heat and rent in which case, getting a better paying job or assistance would be a good idea.
